| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 23 de abril de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.638750 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 23/4/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 23/4/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 23/4/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 250,068.1 | 252,650.8 | 2,582.7 | 1.0 | -47,580.3 | -40,979.1 | 6,601.2 | -13.9 | 202,487.8 | 211,671.7 | 9,183.9 | 4.5 |
| 1. Activo externo 1/ | 250,068.1 | 252,650.8 | 2,582.7 | 1.0 | 8,221.3 | 14,654.0 | 6,432.7 | 78.2 | 258,289.4 | 267,304.8 | 9,015.4 | 3.5 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -55,633.1 | 168.5 | -0.3 | -55,801.6 | -55,633.1 | 168.5 | -0.3 |
| II. ACTIVOS INTERNOS NETOS | -66,361.6 | -81,445.5 | -15,083.9 | 22.7 | 482,439.5 | 487,783.6 | 5,344.1 | 1.1 | 333,371.9 | 335,301.2 | 1,929.3 | 0.6 |
| 1. Actividad crediticia | -15,061.6 | -16,776.9 | -1,715.3 | 11.4 | 442,571.7 | 452,746.4 | 10,174.7 | 2.3 | 427,510.1 | 435,969.5 | 8,459.4 | 2.0 |
| 1.1 Al Sector público neto | -17,119.7 | -18,835.0 | -1,715.3 | 10.0 | 34,243.3 | 36,287.4 | 2,044.1 | 6.0 | 17,123.7 | 17,452.4 | 328.7 | 1.9 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 417,238.5 | 8,151.4 | 2.0 | 409,087.1 | 417,238.5 | 8,151.4 | 2.0 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 307,834.9 | 5,389.6 | 1.8 | 302,445.3 | 307,834.9 | 5,389.6 | 1.8 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 109,403.5 | 2,761.7 | 2.6 | 106,641.8 | 109,403.5 | 2,761.7 | 2.6 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,271.8 | -20.6 | -1.6 | 1,299.3 | 1,278.7 | -20.6 | -1.6 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 810.7 | 0.0 | 0.0 | 817.7 | 817.7 | 0.0 | 0.0 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 461.0 | -20.6 | -4.3 | 481.6 | 461.0 | -20.6 | -4.3 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 60,855.4 | -9,100.6 | -13.0 | -30.8 | -13.8 | 17.0 | -55.2 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,710.0 | 10,159.5 | -2,550.5 | -20.1 | -9.2 | -8.2 | 1.0 | -10.9 |
| 4. Otros Activos Netos | 11,915.2 | 7,493.7 | -4,421.5 | -37.1 | -68,591.6 | -68,669.1 | -77.5 | 0.1 | -56,676.4 | -61,175.4 | -4,499.0 | 7.9 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -3,925.9 | 254.2 | -6.1 | -4,180.1 | -3,925.9 | 254.2 | -6.1 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -72,162.3 | -8,947.1 | 14.2 | 29,973.4 | 36,617.2 | 6,643.8 | 22.2 | -33,241.8 | -35,545.1 | -2,303.3 | 6.9 |
| 7.1 Con entidades públicas | -27,260.4 | -30,687.8 | -3,427.4 | 12.6 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -30,687.8 | -3,427.4 | 12.6 |
| 7.2 Otros inversionistas | -35,954.8 | -41,474.5 | -5,519.7 | 15.4 | 29,973.4 | 36,617.2 | 6,643.8 | 22.2 | -5,981.4 | -4,857.3 | 1,124.1 | -18.8 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,706.5 | 171,205.3 | -12,501.2 | -6.8 | 434,859.2 | 446,804.5 | 11,945.3 | 2.7 | 535,859.7 | 546,972.9 | 11,113.2 | 2.1 |
| IV. DINERO PRIMARIO | 170,987.3 | 161,037.5 | -9,949.8 | -5.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 100,168.4 | -832.1 | -0.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 60,869.2 | -9,117.6 | -13.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 58,349.2 | -9,145.5 | -13.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,506.2 | 44.9 | 1.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 13.8 | -16.9 | -55.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,719.2 | 10,167.7 | -2,551.5 | -20.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,261.0 | 9,702.1 | -2,558.9 | -20.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 449.0 | 457.4 | 8.4 | 1.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 8.2 | -1.0 | -10.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 100,168.4 | -832.1 | -0.8 | 115,387.0 | 112,785.5 | -2,601.5 | -2.3 | 216,387.4 | 212,953.9 | -3,433.5 | -1.6 |
| 1. Numerario en circulación | 101,000.5 | 100,168.4 | -832.1 | -0.8 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 100,168.4 | -832.1 | -0.8 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 112,785.5 | -2,601.5 | -2.3 | 115,387.0 | 112,785.5 | -2,601.5 | -2.3 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 244,630.8 | 6,362.9 | 2.7 | 238,267.9 | 244,630.8 | 6,362.9 | 2.7 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 100,168.4 | -832.1 | -0.8 | 353,654.9 | 357,416.3 | 3,761.4 | 1.1 | 454,655.4 | 457,584.7 | 2,929.3 | 0.6 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 33,446.0 | 3,263.5 | 10.8 | 30,182.5 | 33,446.0 | 3,263.5 | 10.8 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,942.2 | 4,920.4 | 9.6 | 51,021.8 | 55,942.2 | 4,920.4 | 9.6 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 89,388.2 | 8,183.9 | 10.1 | 81,204.3 | 89,388.2 | 8,183.9 | 10.1 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 100,168.4 | -832.1 | -0.8 | 434,859.2 | 446,804.5 | 11,945.3 | 2.7 | 535,859.7 | 546,972.9 | 11,113.2 | 2.1 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 809.3 | 193.3 | 31.4 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 1,392.1 | 219.4 | 18.7 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 11,904.0 | 4,518.7 | 61.2 | -.- | -.- | -.- | -.- |